Ccj

Options
Jr14
Jr14 Posts: 60 Forumite
in IVA & DRO
Does anyone know how long it would take in missed payments before being given a ccj? Currently waiting for my DRO to go through which may take a while and I'm starting to panic 😬
Tia

Comments

  • fatbelly
    fatbelly Posts: 20,504 Forumite
    Name Dropper First Anniversary First Post Cashback Cashier
    edited 20 October 2017 at 9:56PM
    Options
    Somewhere between 'a long time' and 'never'

    Most debts never face court action.

    On the few that do, you can string out a defence for several months.

    Some debt management companies recommend token offers while you wait. It's a waste of time. Just concentrate on getting £90 together.
  • Jr14
    Jr14 Posts: 60 Forumite
    Options
    Phew thank you!

    I haven't informed any of my creditors re applying for a DRO as of yet but not sure ignoring them is best ��
  • fatbelly
    fatbelly Posts: 20,504 Forumite
    Name Dropper First Anniversary First Post Cashback Cashier
    Options
    Jr14 wrote: »
    Phew thank you!

    I haven't informed any of my creditors re applying for a DRO as of yet but not sure ignoring them is best ��

    I recommend ignoring them. Sometimes they get more aggressive if they think they are about to lose money.

    They'lL be informed when you get the DRO
  • ToxtethO'Grady
    ToxtethO'Grady Posts: 342 Forumite
    First Anniversary Name Dropper First Post
    Options
    What's your debt balance? If it's near the £20K be careful as court costs and fees can bump it up. Anything above £19K I'd advise paying them a token £1 payment to stop them moving it on or adding charges if it switches to a new collections agency.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.3K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 248K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards